Most companies will not ask you about bipolar disorder whatsoever. Fill out our quote form or give us a call to get accurate quotes.
Many people think they might have to pay higher rates to get burial life insurance if they have bipolar disorder. While this is true for some companies, it is not for all.
We have helped many people with bipolar disorder get rock bottom rates with no waiting period. In this article we are going to show you top ways to save money on your burial insurance.
Table Of Contents
- How Burial Insurance Companies View Bipolar Disorder
- Other Health Conditions
- Find The Best Rates
How Burial Insurance Companies View Bipolar Disorder
There are no medical exams or physicals needed for burial insurance, but to get the best rates you will need to answer a few health questions.
What most companies will ask when it comes to any kind of mental health condition is something like…
“Have you been diagnosed with a mental incapacity?”
For most carriers, they do not consider bipolar a mental incapacity. That would be something like dementia.
So you can answer no to that health question and qualify for rock bottom rates!
Other Health Conditions
This article is about bipolar specifically, but many times people have more than one health condition, especially at older ages.
Companies will ask you other questions about your health to get a complete health profile.
If you have bipolar the odds are we can still get you low rates with no waiting period but this will depend on your other health conditions.
For example, if you have had a recent heart attack this might disqualify you from a carrier that would offer you coverage with just bipolar disorder.
When you talk with a Seniors Mutual agent we will go over all of your options to find the best carrier and rates for you based on your overall health and lifestyle.
Every insurance company will do a prescription check as part of the underwriting of your policy.
While medications for bipolar do not matter for those companies that accept bipolar, if you are trying to apply for coverage with a carrier that does care about bipolar, they could raise your rates or only offer a waiting period policy if you take certain medications.
Below are some of the common medications for bipolar that will come up on your prescription check. If you take one of these medications, you will probably be viewed as a bipolar insured, and will need to go with a company that does not care about bipolar whatsoever.
- Aripiprazole (Abilify)
Keep in mind you still qualify for burial insurance coverage at rock bottom rates as if you didn’t have bipolar disorder with quite a few companies, even if you take medication.
Find The Best Rates For You
Odds are if you fill out the quote form that shows you many different companies, one of the top 2 is going to not care about bipolar disorder and those will be accurate quotes.
However, every company will take into account your entire health and medication profile. It it important to go over with us all of your medications and health conditions, not just bipolar.
At the end of the day, if you want to find the absolute best rates available for burial life insurance, then you need to work with an insurance agency that offers lots of different companies that will look through all of your options for you.
We at Seniors Mutual get level coverage with now waiting period for 90% of our clients because we have access to so many different companies.
Give us a call today or fill out our quoter and in just a few minutes we will go over all of your options and find the best rates to save you the most money!